Your Money Your Retirement Podcast

Hear Linda Gardner discuss important retirement topics.

Gray Divorce The Retirement Cost No One Talks About 08/12/2026

Gray Divorce The Retirement Cost No One Talks About Divorce later in life can have a lasting impact on your financial future. New research finds that more than 60% of Americans who divorce after age 50 say it delays their retirement and that’s only part of the financial fallout. Nearly 70% take on new debt, often ranging from $25,000 to $50,000. For many, starting over after 50 doesn’t just mean rebuilding a life, it means rebuilding a retirement plan, too. /episode/index/show/yourretirementpodcast/id/42414345

4 Questions About Retirement 08/07/2026

4 Questions About Retirement We’re faced with questions every day. What’s for dinner? When’s the meeting? How was your day? These are questions that are, or should be easy to answer, but when you’re starting to consider retirement, the questions can get a lot more complicated. /episode/index/show/yourretirementpodcast/id/42361545

New Retirement Reality Podcast 07/30/2026

New Retirement Reality Podcast Many people spend decades building their retirement nest egg, only to discover that having substantial savings isn't enough. Just like a beautiful house needs a strong foundation to withstand storms, your retirement plan needs proper structuring to help preserve against the challenges ahead. /episode/index/show/yourretirementpodcast/id/42269275

Protect Your Wealth in Retirement 07/23/2026

Protect Your Wealth in Retirement One of the biggest concerns retirees share is a simple one: Will my money last? Many people think the answer is saving more, working a few extra years, or worrying about every swing in the stock market. While those things matter, they're only part of the picture. A secure retirement is just as much about protecting what you've already built. Inflation, taxes, healthcare costs, and unexpected expenses can slowly chip away at your savings if you don't have a plan. That's why it's important to have a retirement strategy that balances growth with protection, one that provides dependable income while helping you manage the risks you can't control. The goal isn't to predict the future. It's to be prepared for it, so you can spend less time worrying about your finances and more time enjoying retirement. If it's been a while since you've reviewed your retirement plan, now is a great time to make sure it's still working as hard as you did to build it. /episode/index/show/yourretirementpodcast/id/42197105

Retirement Optimism 07/16/2026

Retirement Optimism Retirement isn’t looking as bright as it used to. Confidence is slipping. Less and less people believe they’ll live as well (or better) in retirement than they do today. What changed…and what can be done to turn that outlook around? /episode/index/show/yourretirementpodcast/id/42119510

Preserving and Optimizing Your 401(k) 07/09/2026

Preserving and Optimizing Your 401(k) Your 401(k) may be one of your largest assets. And may be one of your largest future tax liabilities if not managed carefully. In this week's podcast, we discuss strategies to help preserve your savings, create reliable retirement income, and reduce unnecessary taxes throughout retirement. /episode/index/show/yourretirementpodcast/id/42025890

Legacy Planning 07/02/2026

Legacy Planning You might think legacy planning is just for people with big mansions and even bigger bank accounts, but think again. It’s really about preparing for life's curveballs and protecting your loved ones, no matter your bank account size. /episode/index/show/yourretirementpodcast/id/41945065

The Retirement Tightrope 06/25/2026

The Retirement Tightrope You've spent 30, 40 years building a nest egg. You've done everything right. But now you're facing this impossible choice you need your money to grow or inflation will eat it alive, but one bad market crash could potentially wipe out years of savings in months. It's like you're being asked to walk a tightrope without a safety net. /episode/index/show/yourretirementpodcast/id/41805945

Is Your Financial Advisor the Right Fit? 06/19/2026

Is Your Financial Advisor the Right Fit? The right financial advisor can help bring clarity, confidence, and direction to your retirement plan. But not all advisory relationships are created equal. In this week's podcast, we discuss the qualities that matter most in a retirement advisor, the questions every investor should be asking, and how to determine whether you're receiving the guidance you need to help achieve your goals. Whether you've worked with an advisor for years or are simply curious about what great financial planning looks like, this episode offers valuable insights to help you make informed decisions about your financial future. Listen now and discover what to look for in a trusted retirement planning partner. /episode/index/show/yourretirementpodcast/id/41706265

Your 401k Is Not a Retirement Plan 06/12/2026

Your 401k Is Not a Retirement Plan Imagine a master carpenter showing up to a job site with the most expensive tools money can buy titanium hammers, high-end saws but no blueprints. Without a plan, those tools are useless. Many people approach retirement the same way: they have financial "tools" like 401(k)s and IRAs, but no actual strategy to build a confident future. /episode/index/show/yourretirementpodcast/id/41624485

Will Your Retirement Money Last? 06/03/2026

Will Your Retirement Money Last? Gone are the days when retirees could rely heavily on robust corporate pension plans. Today, not only are corporate pensions a fading memory, but many retirees need more than their Social Security benefits. This places a greater burden of securing a financially stable retirement on individuals. /episode/index/show/yourretirementpodcast/id/41527615

Retirement Income Planning 05/22/2026

Retirement Income Planning Some people spend forty years building a "pile of money" for retirement, but a pile isn't a plan. To survive decades without a paycheck, you need to become the architect of your own income. /episode/index/show/yourretirementpodcast/id/41398425

Preparing for Market Volatility 05/15/2026

Preparing for Market Volatility Market swings are inevitable, but panic doesn’t have to be. The key to weathering volatility isn’t avoiding market corrections; it’s preparing for them. With a smart strategy and the right mindset, you can stay focused, protect your retirement goals, and navigate uncertainty with confidence. /episode/index/show/yourretirementpodcast/id/41309685

Hidden Cost in Retirement No One Talks About 05/07/2026

Hidden Cost in Retirement No One Talks About It’s a common belief that taxes decline in retirement. However, for many individuals, the opposite holds true, taxes can remain a significant, and sometimes one of the largest, expenses throughout retirement. /episode/index/show/yourretirementpodcast/id/41206975

Retirement Optimism 04/29/2026

Retirement Optimism Retirement isn’t looking as bright as it used to. Confidence is slipping, only about 3 in 10 people believe they’ll live as well (or better) in retirement than they do today. What changed… and what can be done to turn that outlook around? /episode/index/show/yourretirementpodcast/id/41066745

The New Retirement Reality 04/23/2026

The New Retirement Reality The retirement landscape has fundamentally changed and the old rules no longer apply. Gone are the days of working until 65, relying on a pension, and enjoying a predictable 20-year retirement. Today’s reality is more complex, more uncertain, and requires a new strategy. Understanding this shift isn’t just helpful, it’s essential to building a retirement plan that actually works. /episode/index/show/yourretirementpodcast/id/40991645

Don’t Outlive Your Money 04/15/2026

Don’t Outlive Your Money Retirement isn’t just about building wealth. It’s about making it last. Lifespans stretch, inflation rises, and markets are unpredictable. Retirees face a new challenge, turning their savings into reliable, lasting income. /episode/index/show/yourretirementpodcast/id/40892550

Create A Lasting Legacy 04/08/2026

Create A Lasting Legacy It’s easy to make assumptions about what goes into a legacy plan. Find out some of the top legacy planning mistakes you want to try to avoid? We'll discuss how to make it more clear for you as we dive into the basics of creating a lasting legacy for your family. /episode/index/show/yourretirementpodcast/id/40779305

The Longevity Challenge 04/02/2026

The Longevity Challenge People are often living longer than previous generations, which can be wonderful. However, but it may create some serious financial planning challenges. If you’re currently 65, there’s a possibility you could spend 25 to 30 years or more in retirement. /episode/index/show/yourretirementpodcast/id/40716180

Reality of Retirement Spending 03/26/2026

Reality of Retirement Spending What if everything you’ve been told about retirement spending is off? The idea that your expenses neatly shrink after you stop working sounds comforting - but reality may tell a very different story. /episode/index/show/yourretirementpodcast/id/40633115

Planning for the Future as a Family 03/18/2026

Planning for the Future as a Family We'll explore how families can work together to set goals, build financial security, and a shared vision for the years ahead. Learn practical tips on how to align family priorities, navigate major life decisions, and build a plan that supports both current needs and future generations. /episode/index/show/yourretirementpodcast/id/40527875

Break These Financial Habits 03/05/2026

Break These Financial Habits Any time is a good time to break a bad habit. Whether you want to make improvements in your routine at home, your job performance at work, with your physical health or your financial health, the time to make a positive change for your future, is right now. /episode/index/show/yourretirementpodcast/id/40330170

Building a Stronger Foundation 02/26/2026

Building a Stronger Foundation When building a house, you'd never start construction without a proper foundation. Yet surprisingly, some people approach retirement planning exactly that way, focusing on just one aspect while ignoring other crucial elements that help provide essential support and stability. /episode/index/show/yourretirementpodcast/id/40246705

The Unknowns of Retirement 01/29/2026

The Unknowns of Retirement When it comes to retirement there are lots of things that are out of our control that we wished we could predict. This is why it's so important to have a plan in place to be able to handle the unknowns of retirement. /episode/index/show/yourretirementpodcast/id/39925300

A Trial Run at Retirement 01/19/2026

A Trial Run at Retirement You can test drive a car or an RV, but what about your retirement? We'll share some tips to think about before you make the leap into retirement. /episode/index/show/yourretirementpodcast/id/39791580

The Legacy Plan 01/14/2026

The Legacy Plan It’s easy to make assumptions about what goes into a legacy plan. We'll help make it clear for you as we dive into the basics of creating a lasting legacy for your family. /episode/index/show/yourretirementpodcast/id/39735420

Hidden Risks That Can Impact Your Retirement 01/07/2026

Hidden Risks That Can Impact Your Retirement Are you protecting your retirement from hidden risks? From market swings to rising costs, financial threats can quietly erode your nest egg. In this episode, we reveal key risks and how to prepare so your money lasts. Don’t miss this essential podcast to a more secure retirement. /episode/index/show/yourretirementpodcast/id/39653360

Make Your Retirement Money Last 12/18/2025

Make Your Retirement Money Last Gone are the days when retirees could rely heavily on robust corporate pension plans. Today, not only are corporate pensions a fading memory, but many retirees need more than their Social Security benefits. This places a greater burden of securing a financially stable retirement on individuals. /episode/index/show/yourretirementpodcast/id/39461960

Financial Habits You Should Break 12/10/2025

Financial Habits You Should Break Any time is a good time to break a bad habit. Whether you want to make improvements in your routine at home, your job performance at work, with your physical health or your financial health, the time to make a positive change for your future, is right now. /episode/index/show/yourretirementpodcast/id/39362345

Create Dependable Income in Retirement 11/26/2025

Create Dependable Income in Retirement In your working years, a steady paycheck provided peace of mind. In retirement, that sense of predictability can disappear, and is sometimes subject to market ups and downs. In this episode, we explore how to build reliable income streams, so your retirement feels less like a rollercoaster and more like smooth sailing. /episode/index/show/yourretirementpodcast/id/39182825

Your Money Your Retirement Podcast

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